• Stay Alert
    Be wary of suspicious emails, text messages or phone calls that request your personal information or banking details.
  • Phishing 
    This is a fraud attempt via email. Typically they appear to come from a bank or another genuine financial institution. You are usually requested to click on a link to update or verify your personal data or account information.
  • Smishing 
    This is a fraud attempt via text message. In a smishing message you could be requested to click on a link in the text and be redirected to a legitimate-looking website, where you are requested to supply your personal and/or account information. 
  • Vishing 
    This is a fraud attempt via telephone call. You are lured into divulging personal information to an automated system or person. Criminals also use a tactic called 'caller identity spoofing', where calls appear to be made from a genuine or known number, allowing the fraudster to obtain your personal details.
  • Never Share Your PIN or Password 
    BNF Bank will never ask you to verify your PIN, password or log-in credentials, and we will never send you a link to confirm this information. When we speak with you over the phone we only confirm pre-defined security questions that only you know the answers to.
  • BNF Internet Banking 
    Should only be accessed by going to the website directly at www.bnf.bank. Never use a link provided in an email. 
  • Security Software 
    Ensure online security by keeping your anti-virus and operating software up to date. 
  • One-Time-Passwords 
    To approve online payments securely, register to receive one-time-passwords via SMS on your mobile phone through BNF Internet Banking. If you see an approval request for a transaction you don't recognise, contact us immediately.
  • Keep Your Information Private 
    Avoid giving anybody remote access to your PC. Never give out your card details to anyone unless you're sure they're legitimate. Ask to pay online via a secure platform or website.
  • Use Secure Sites 
    Look at your URL bar. Secure sites always start with 'https' (rather than 'http'). They will also have a gold lock next to their URLs. If the gold lock is next to an 'http' URL, this is a sign that it is a case of fraud.
  • Act Quickly 
    If you suspect that your personal information has been compromised, change your password via BNF Internet Banking immediately. 
  • Report Scams
    If you receive a suspicious email, text message or phone call do not respond to it.  Ignore it or report it to us by sending a copy or information to  customercare@bnf.bank. We will then report it to our IT Security Unit.
BNF BANK Base Rates
Base Rate
Rates (p.a)
Bank Base Rate
2.50%
Home Loan Base Rate
2.20%
Savings Account - Credit Interest Rates (p.a)
Balances
EUR
GBP
USD
Up to 50,000
0%
0%
0%
Over 50,000
0.05%
0%
0%
Deposit Accounts - Credit Interest Rates (p.a)
Type of Account
Balances
EUR
GBP
USD
Direct Salary Account
Up to 25,000
Over 25,000
0.25%
0%
n/a
n/a
n/a
n/a
Current Account
Salary Account
Any Balance
0%
n/a
n/a
Students Online
Savings Account
Up to 25,000
Over 25,000
0.25%
0%
n/a
n/a
n/a
n/a
Students Current Account
Any Balance
0%
n/a
n/a
Savings Schemes
Type of Account
Balances
Balances (€)
Rates (p.a.)
Monthly Savings
Full period
Any Balance
0.50%
1.75%
New Generations Account
Full period
Up to 25,000
Over 25,000
1.75%
0%
*The Hi-Saver Account is a 15-month term deposit split in two terms as described in the above table.
Standard Term Deposits
Term
Rates (p.a) Minimum balance €500 - €1,000,000
3 months
0.10%
6 months
0.15%
1 year
2.75%
2 years
3.00%
3 years
2.90%
4 years
2.00%
5 years
2.00%
7 years
1.75%
Term
Rates (p.a) Minimum balance £500 - £1,000,000
1 months
0.01%
3 months
2.00%
6 months
2.50%
1 year
3.50%
2 years
3.00%
3 years
3.00%
Term
Rates (p.a) Minimum balance $500 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.75%
2 years
181st day
366th day
Maturity
1.00%
2.00%
3.00%
3 years
366th day
731st day
Maturity
1.90%
2.40%
2.90%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
0.20%
360
2.75%
730
3.00%
1095
2.9%
Foreign Exchange Rates - 21/05/2024
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
UK
GBP
0.8916
0.8286
0.8679
0.8406
USA
USD
1.1339
1.0538
1.1038
1.0690
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
17/05/2024
-
5.310
5.200
3 Mth
17/05/2024
3.83
-
-
6 Mth
17/05/2024
3.791
-
-
12 Mth
17/05/2024
3.645
-
-
Indicative % mark-ups for using your BNF Card in the EEA (Non-Eurozone)
European Economic Area (EEA) Currencies
Total FX % Charge - VISA Debit
Total FX % Charge - VISA Credit
Bulgarian Lev (BGN)
1.75%
1.75%
Czech Koruna (CZK)
1.81%
1.81%
Danish Krone (DKK)
1.76%
1.76%
Hungarian Forint (HUF)
2.60%
2.60%
Icelandic Króna (ISK)
2.12%
2.12%
Swiss Franc (CHF)
1.91%
1.91%
Swedish Krona (SEK)
2.21%
2.21%
Norwegian Krone (NOK)
2.11%
2.11%
Polish Zlotych (PLN)
2.28%
2.28%
Romanian Lei (RON)
2.16%
2.16%
Pound Sterling (GBP)
2.27%
2.27%
Indicative % mark-ups for using your BNF Card in the EEA (Non-Eurozone)
Top Equity Indices
Country
Indices
Date
% Var
Last Reference
European Indices
Malta
MSE
03/07/2023
0.13
3,754.34
Portugal
PSI20
03/07/2023
1.15
5,988.18
Spain
IBEX35
03/07/2023
0.54
9,644.80
France
CAC 40
03/07/2023
-0.18
7,386.70
Germany
DAX
03/07/2023
-0.41
16,081.04
UK
FTSE 100
03/07/2023
-0.06
7,527.26
PanEuropean
Euro Stoxx50
03/07/2023
-0.02
4,398.15
USA
USA
DAX
DAX
DAX
34,418.47
USA
NASDAQ Comp
03/07/2023
0.21
13,816.77
USA
S&P 500
03/07/2023
0.12
4,455.59
Asia
Japan
Nikkei 225
03/07/2023
-0.98
33,422.52
HongKong
HangSeng
03/07/2023
0.14
19,328.46
Commodity Market
Date
% Var
Last Reference
ICE Brent Crude
03/07/2023
0.59
75.09
Gold (spot)
03/07/2023
0.27
1,926.48
Silver (spot)
Portugal
0.26
22.98